credit risk manager

Qatar National Bank

<div>Job Purpose Summary<p><br>
The incumbent will be responsible for assisting the management of the process of credit approval on individual credit facility proposals for Corporate and Retail customers (only those retail proposals that fall outside applicable policy parameters), forwarded to them by the appropriate departments/ units. The incumbent will assess the quality of the credit exposure sought to be undertaken and adherence to established policies and procedures. The incumbent will constantly research and seek to apply best practices in credit risk, in accordance with Basel II and other relevant guidelines.</p>
Main Duties<ul><li><br>
Perform activities within the assigned Credit Risk Strategy that reflects the Group's tolerance for risk and the level of profitability the Group expects to achieve for incurring various credit risks.</li><li>Ensure the use of a standardized process for evaluating credit proposals ensuring that all approved credits are within QNB's Credit Risk Strategy.</li><li>Assist the SVP of Risk in creating Key Performance Indicators (KPIs) for the department and monitor their achievement on periodic basis</li><li>Act within the limits of the powers delegated to the incumbent and delegate authority to the respective staff and monitor same.</li><li>Implements KPI's and best practices for role</li><li>Promote cost consciousness and efficiency and enhance productivity, to minimize cost, avoid waste, and optimize benefits for the bank.</li><li>Demonstrate clear understanding of the important factors behind the bank's financial &amp; non-financial performance.</li></ul>
Education/Skills<ul><li><br>
University graduate (Bachelor's degree) preferably with a Major in Finance, Banking, Economics, Mathematics, or Business Administration (related field of study), Masters preferred.</li><li>Professional certification such as PRM, CPA, CFA is preferred.</li><li>Sound typically a Minimum of 8 years' experience in a major bank of which at least 2 years in bank in a supervisory capacity in risk function.</li><li>Excellent oral and numerical and written communication skills in English and Arabic (preferred).</li><li>Knowledge of Basel II Accord, with particular emphasis on credit-related issues and credit modelling methodologies.</li><li>Excellent quantitative modelling, analytical, and research skills.</li><li>Experience in working with large and complex data sets. Knowledge of financial markets and products.</li><li>Proficiency in risk concepts, banking products/ operations/ systems, pertinent regulatory requirements, International Accounting Standards and related pronouncements.</li><li>In-depth understanding of credit risk methodologies (KMV, Credit / Metrics, etc.), interest rate modelling [short rate models, HJM, BGM, etc.], VAR, and/or other complex financial risk modelling highly desirable.</li><li>Adequate knowledge of IT systems/ applications.</li><li>Self-motivated, eye for detail with ability to work with others and lead teams from diverse cultural backgrounds.</li></ul></div>

Senior Manager - Credit Risk (Omanization)

Dynamic Accounting Solutions Inc

<p>We&rsquo;re looking for a Credit Controller to join our finance operations and help strengthen cash flow through effective credit risk management and collections.</p><p>Shift: 8:00 PM &ndash; 5:00 AM (PKST)<br/>Location: Remote<br/>US Based Client<br/>Competitive Salary in USD</p><p>Key Responsibilities:<br/>Develop, implement, and maintain an effective credit control and collections process aligned with company policy and commercial strategy.</p><p>Assess new and existing customer credit applications, conduct credit checks, and recommend/set credit limits and payment terms.</p><p>Monitor customer balances and accounts receivable aging; proactively identify high-risk or overdue accounts and take appropriate action.</p><p>Manage and collect outstanding debts by issuing reminders, contacting customers, and negotiating payment plans where appropriate.</p><p>Collaborate with Sales and Customer Service to resolve invoice disputes, billing issues, and payment queries quickly and professionally.</p><p>Maintain accurate and up-to-date customer credit files and collection notes in the ERP/AR system, ensuring clear audit trails.</p><p>Produce regular reporting on DSO, aging, collections performance, and credit exposure/risk for management review.</p><p>Recommend accounts for credit hold, escalation, write-off, or legal action in accordance with company policy and approvals.</p><p>Identify opportunities to improve credit control practices, streamline workflows, and reduce overdue and bad debt.</p><p>Requirements<br/>Bachelor&rsquo;s degree in Finance, Accounting, Business, or related field (or equivalent experience).</p><p>Proven experience in credit control, accounts receivable, or a similar finance role&mdash;preferably in a B2B environment.</p><p>Solid understanding of credit risk, collections practices, and basic accounting principles.</p><p>Strong Excel skills and experience using accounting/ERP systems; confident handling aging reports and large datasets.</p><p>Excellent communication and negotiation skills, including the ability to manage difficult conversations professionally.</p><p>High attention to detail, strong organization, and the ability to manage a portfolio of accounts with competing priorities.</p><p>Job Type: Full-time</p><p>Work Location: Remote</p>

Credit Controller

ProClink

<div><div>Job Title: Credit Risk Consultant (Data Analytics)</div><div>
Experience: Minimum 5+ years of relevant experience in credit risk analytics, preferably within lending.</div><div></div><div>
About the Role</div><div>
We are looking for an experienced Credit Risk Consultant to join our analytics team and work closely with clients across the customer lifecycle. This role sits at the intersection of business, risk, and data, requiring strong functional expertise, hands-on technical skills, and the ability to translate analytics into actionable business insights.</div><div>
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Key Responsibilities</b></div><ul><li>Act as a subject-matter expert for risk analytics, underwriting, and portfolio management.</li><li>Partner with clients to understand business objectives and translate them into analytics-driven credit risk solutions.</li><li>Design, review, and enhance credit risk strategies including:</li></ul><div>
o Acquisition &amp; underwriting</div><div>
o Credit line assignment and management</div><div>
o Pricing and risk-based segmentation</div><ul><li>Analyze large datasets to identify trends, risks, and opportunities, and communicate insights clearly to both technical and non-technical stakeholders.</li><li>Support model performance monitoring, validation, and ongoing optimization.</li><li>Collaborate with data scientists, engineers, and business teams to ensure end-to-end delivery of analytics solutions.</li><li>Create clear documentation, presentations, and client-ready materials.</li></ul><div></div><div><b>
Required Skills &amp; Qualifications</b></div><div>
1. Functional Knowledge</div><ul><li>Strong understanding of credit risk management concepts and frameworks.</li><li>Hands-on experience with underwriting, risk policy, and portfolio analytics.</li><li>Knowledge of key risk metrics such as approval rates, delinquency, roll rates, charge-offs, and vintage analysis.</li></ul><div>
2. Business Understanding</div><ul><li>Deep understanding of how lending products work in the analytics ecosystem, including customer lifecycle, profitability drivers, and risk-reward trade-offs.</li><li>Experience working with credit bureau data, transaction data, and customer behavior data.</li><li>Ability to align risk strategies with business growth, customer experience, and regulatory considerations.</li></ul><div>
3. Technical Skills</div><ul><li>Strong proficiency in SQL for data extraction and analysis.</li><li>Experience with Python, R, or SAS for analytics and modeling.</li><li>Comfortable working with large datasets and analytics platforms.</li><li>Experience with dashboards or visualization tools (e.g., Power BI, Tableau) is a plus.</li></ul><div>
4. Communication &amp; Consulting Skills</div><ul><li>Excellent verbal and written communication skills.</li><li>Ability to explain complex analytical concepts in a simple, business-friendly manner.</li><li>Proven experience working in client-facing or stakeholder-heavy environments.</li><li>Strong presentation and storytelling skills using data.</li></ul><div>
5. Willingness to work in US time shift</div><div>
Nice to Have</div><ul><li>Experience in data analytics, consulting, or fintech environment.</li><li>Exposure to regulatory frameworks related to consumer credit.</li><li>Prior experience working with global or large-scale lending portfolios.</li></ul><div>
-</div><div>
What We Offer</div><ul><li>Opportunity to work on high-impact analytics problems.</li><li>Exposure to leading financial institutions and innovative analytics solutions.</li><li>Collaborative, data-driven culture with strong learning opportunities.</li><li>Competitive compensation and growth potential.</li></ul></div>

Credit Risk Consultant

Kinetics Middle East LLC

<p><b>About the Role:</b></p><p>We are seeking an experienced Credit Controller to manage receivables, ensure timely payments, and supervise the credit and customer setup process.</p><p><b>Key Responsibilities:</b></p><ul><li>Manage credit control, customer accounts, and collections to ensure payments within agreed terms.</li><li>Review new customer accounts, make credit decisions, and negotiate payment terms.</li><li>Resolve customer credit issues and disputes professionally.</li><li>Prepare daily, weekly, and monthly reports on receivables, overdue accounts, and doubtful debts.</li><li>Monitor high-risk accounts and recommend provisions or write-offs.</li><li>Support sales by reviewing &lsquo;On Hold&rsquo; orders and participating in daily sales activities.</li><li>Ensure compliance with company policies, accounting regulations, and reporting standards.</li></ul><p><b>Qualifications &amp; Skills:</b></p><ul><li>Bachelor&rsquo;s degree in Finance, Accounting, or related field.</li><li>5+ years of experience in credit control, collections, or corporate finance.</li><li>Strong credit analysis, risk evaluation, and negotiation skills.</li><li>Proficient in Microsoft Excel, Word, and SAP.</li><li>Excellent communication, problem-solving, and leadership skills.</li><li>Experience managing national accounts and high-volume collections.</li></ul><p>Interested candidates may apply through Indeed/ <b>careers@kineticsgroup.ae</b></p><p>Job Type: Full-time</p><p>Education:</p><ul><li>Bachelor's (Required)</li></ul><p>Experience:</p><ul><li>Credit Analysis &amp; Risk Management Skills: 5 years (Required)</li><li>UAE : 5 years (Required)</li><li>Credit Control &amp; Collections: 5 years (Required)</li></ul>

Credila Financial Services Limited

<div>
 <p>
  <strong>
   <u>
    About the Company
   </u>
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <p>
  Credila Financial Services Limited (Formerly known as HDFC Credila Financial Services Limited) is one of India&rsquo;s largest education loan non-banking financial companies (NBFCs) offering education loans to Indian students. With an in-depth understanding of the higher education domain in India as well as overseas, Credila offers tailor-made education loan solutions that help enable students to be financially equipped to pursue their education at their dream university and country of study. Since inception, Credila has funded 178,000+ Indian students across 63 countries in 4,600 institutes
 </p>
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 </p>
 <p>
  <strong>
   <u>
    Responsibilities
   </u>
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <ul>
  <li>
   Designing and implementing an overall risk management process for the Education Loan portfolio, which includes an analysis of the financial impact on the company when risks occur
  </li>
  <li>
   Performing a risk assessment: Analyzing current risks and identifying potential risks that are affecting the company
  </li>
  <li>
   Own the portfolio risk metrics - Loss forecasting, Stress testing, Credit Risk, Liquidity risk, Collections performance strategy overall ROA by segment.
  </li>
  <li>
   Monitor portfolio risk from granular dimensions and constantly implement strategies to maintain risk metrics within specific ranges.
  </li>
  <li>
   Monitor various operational metrics and develop alerting mechanisms to maintain process efficiency
  </li>
  <li>
   Designing and implementing strategies for Underwriting, Account Management, Portfolio Monitoring and Collections
  </li>
  <li>
   Develop risk-based credit policies and pricing grids to maximize approvals within specific segments of risk
  </li>
  <li>
   Work with data science team which will develop algorithms and scorecards and drive decision models across various business segments.
  </li>
  <li>
   Partner with Engineering team to implement policies and scorecards.
  </li>
  <li>
   Supervise creation of time-sensitive analytics, visualizations, and complicated, high-visibility reports for Risk and Business management to use in portfolio monitoring and strategic decision-making.
  </li>
 </ul>
 <p>
  <strong>
   Data Analytics
  </strong>
 </p>
 <ul>
  <li>
   Analyze data to identify high risk segments to limit and decrease loss rates.
  </li>
  <li>
   Perform exploratory data analysis to identify interesting data trend/ insights.
  </li>
 </ul>
 <p>
  <strong>
   Model Validation
  </strong>
 </p>
 <ul>
  <li>
   Build/Validate statistical scoring models on Unsecured lending portfolios that would aid in customer segmentation.
  </li>
 </ul>
 <p>
  <strong>
   Policy formulation
  </strong>
 </p>
 <ul>
  <li>
   Develop new policies for new partners and channels (Acquisition &amp; Line management)
  </li>
  <li>
   Review and update policies for existing partners in case of any change.
  </li>
  <li>
   Work with tech team to design test and implementation for any changes (partner related or regulatory) in policies.
  </li>
 </ul>
 <p>
  <strong>
   Portfolio Management
  </strong>
 </p>
 <ul>
  <li>
   Constantly Evaluate portfolio performance.
  </li>
  <li>
   Benchmark to Industry Standards.
  </li>
 </ul>
 <p>
  <strong>
   Loss Management
  </strong>
 </p>
 <ul>
  <li>
   Monitor Loan portfolio on a daily/weekly basis for any increase in risk (loss rates)
  </li>
  <li>
   Forecast loss for Education Loan portfolios
  </li>
 </ul>
 <p>
  <strong>
   Stakeholder Management
  </strong>
 </p>
 <ul>
  <li>
   Interacting with cross functional teams and driving the credit policy agenda and ensuring correct implementation of credit policy guidelines in origination system and decisioning platforms
  </li>
  <li>
   Lead discussions with external stakeholders/ channel partners during engagement calls
  </li>
 </ul>
 <p>
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 </p>
 <p>
  <strong>
   <u>
    Skills
   </u>
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <ul>
  <li>
   Have strong business understanding of the retail lending business in India and understanding of the regulatory landscape
  </li>
  <li>
   Should have hands-on experience working as data analyst or data scientist or statistical modeler in retail space, preferably in financial services or ecommerce.
  </li>
  <li>
   Strong experience in establishing and managing high-performing teams with a collaborative leadership approach.
  </li>
  <li>
   Outstanding communication skills, both verbal and written
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
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 </p>
 <p>
  <strong>
   <u>
    Qualifications and Experience
   </u>
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <ul>
  <li>
   MBA with Mathematics / Statistics / Information Management as a subject in the curriculum or CA/ CFA with relevant experience
  </li>
  <li>
   2-5 years of experience in the areas of Risk Management, Credit Modelling, Data Analytics, etc. (preferred).
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   <u>
    Job Location:
   </u>
  </strong>
  Mumbai (Kalina)
 </p>
</div>


Risk Manager

Visa

<div><b>Company Description</b><p><br>
Visa is a world leader in payments technology, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories, dedicated to uplifting everyone, everywhere by being the best way to pay and be paid.</p><p>
At Visa, you'll have the opportunity to create impact at scale &mdash; tackling meaningful challenges, growing your skills and seeing your contributions impact lives around the world. Join Visa and do work that matters &mdash; to you, to your community, and to the world.</p><p>
Progress starts with you.</p><b><br>
Job Description</b><p><br>
The individual will be a member of VCA Intelligence &amp; Data Solutions team in Asia Pacific. The position will be based in Visa&rsquo;s Bangalore office.</p><p>
As Credit Risk Modeling Lead, you will champion project delivery and lead design, development, validation, and implementation of advanced credit risk models for a diverse portfolio of clients across banking, fintech, and other lending sectors.</p><p>
You will combine deep technical and domain expertise with strong stakeholder engagement skills to deliver high‑impact solutions that meet regulatory requirements, enhance credit decision‑making, and drive business performance.</p><p>
This role offers the opportunity to work on multiple projects, across regions, and with varied data environments &mdash; making adaptability and client‑centric thinking essential.</p><p>
Key responsibilities:</p><ul><li>
Collaborate with data science leads and consulting leads to understand business needs and identify strategic areas where data science/modeling can drive strong business impact, in alignment with organization's goals and priorities</li><li>
Engage with client stakeholders to understand business challenges, risk appetite, and regulatory context</li><li>
Domain-driven feature engineering, with proven ability to transform high-volume raw data into risk sensitive variables that optimizes predictive power of the credit-risk scorecards, models.</li><li>
Worked in end to end model development projects &mdash; from requirements gathering to implementation &mdash; across Probability of Default (PD), Loss Given Default (LGD), Exposure at Default (EAD), stage allocation according to SICR, IFRS 9/ECL, and stress testing frameworks</li><li>
Design and recalibration of credit scoring models leveraging alternate data sources (e.g., telco usage, e‑commerce behavior, social and utility payment data, open banking, and digital footprint) to expand credit access and improve risk assessment</li><li>
Present complex analytical findings in clear, actionable terms for senior executives and risk committees, provide best practice guidance on risk model governance, regulatory compliance, and validation standards</li><li>
Support data science leads in identifying opportunities for cross selling data analytics, AI/ML, and adjacent risk modeling services</li><li>
Support proposal writing, RFP responses, and client presentations to win new engagements</li><li>
Guide junior data scientists and analysts in technical modeling techniques and client delivery best practices, ensure quality and timeliness of project delivery</li><li>
Promote knowledge sharing across project teams and practices</li></ul><p>
This is a hybrid position. Expectation of days in office will be confirmed by your hiring manager.</p><b><br>
Qualifications</b><p><br>
Basic Qualifications:<br>
Bachelor&rsquo;s or Master&rsquo;s degree in Statistics, Mathematics, Economics, Finance, Data Science, or a related quantitative discipline.<br>
6+ years of experience in consumer or commercial credit risk modeling<br>
<b>Proven track record in developing, validating, and implementing PD, LGD, EAD, IFRS 9/ECL, and stress testing models</b><br>
<b>Experience across the full credit lifecycle &mdash; application, behavioral, collections, and portfolio monitoring models using both traditional and advanced neural networks/Gradient Boosted Trees.</b><br>
Demonstrated expertise in alternate data credit scoring e.g., telco, utility, social, e commerce, open banking data and integrating it into traditional risk frameworks<br>
Advanced proficiency in statistical programming languages such as<b> SAS</b>, <b>Python, and SQL</b><br>
Experience with machine learning techniques e.g., gradient boosting, random forests, neural networks and ensuring model explainability and fairness<br>
Ability to lead cross functional modeling teams and manage multiple projects simultaneously<br>
Strong stakeholder management skills &mdash; able to engage with internal data teams, risk committees, regulators, auditors, and client leaders<br>
Excellent communication skills &mdash; able to translate complex analytics into actionable business insights.<br>
Continuous learning mindset &mdash; staying updated on emerging modeling techniques, regulatory changes, and industry best practices<br>
<br>
Preferred Qualifications:<br>
Experience in a top tier consulting environment or risk advisory role<br>
<b>Exposure to machine learning methods e.g., XGBoost, LightGBM, neural networks ensuring that all models remain fully explainable</b><br>
Experience working across different geographies and regulatory regimes</p><b><br>
Additional Information</b><p><br>
Visa is an EEO Employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status. Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.</p></div>

Manager, Credit Risk Modelling

MISPay

<div>
 <p>
  <strong>
   Role Overview
  </strong>
 </p>
 <p>
  We are seeking a Data Scientist &ndash; Credit Risk to support and enhance credit decisioning strategies within our Buy Now Pay Later (BNPL) business. The role will focus on developing, validating, and optimizing credit risk models to manage portfolio performance, and support sustainable growth in compliance with SAMA regulations.
 </p>
 <p>
  <strong>
   Key Responsibilities
  </strong>
 </p>
 <ul>
  <li>
   Develop and maintain credit risk models (application scorecards, behavioral models, fraud models).
  </li>
  <li>
   Build predictive models for default probability, loss forecasting, and customer segmentation.
  </li>
  <li>
   Analyze large structured and unstructured datasets to generate risk insights and actionable recommendations.
  </li>
  <li>
   Monitor portfolio performance, delinquency trends, roll rates, and vintage analysis.
  </li>
  <li>
   Collaborate with related teams to enhance credit decisioning engines.
  </li>
  <li>
   Implement A/B testing and champion/challenger strategies.
  </li>
  <li>
   Ensure compliance with SAMA regulatory requirements and internal governance standards.
  </li>
  <li>
   Automate reporting dashboards and performance tracking using BI tools.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Qualifications &amp; Experience
  </strong>
 </p>
 <ul>
  <li>
   Bachelor&rsquo;s or Master&rsquo;s degree in Data Science, Statistics, Mathematics, Computer Science, or related field.
  </li>
  <li>
   3&ndash;6+ years of experience in credit risk modeling (preferably in fintech, BNPL, or banking in KSA).
  </li>
  <li>
   Strong understanding of credit lifecycle, underwriting, and collections analytics.
  </li>
  <li>
   Experience working under SAMA regulatory framework is preferred.
  </li>
  <li>
   Proficiency in Python, SQL, and data visualization tools (Power BI/Tableau).
  </li>
  <li>
   Hands-on experience with machine learning techniques
  </li>
  <li>
   Knowledge of local credit bureau systems (SIMAH)
  </li>
  <li>
   Experience with big data tools
  </li>
  <li>
   Arabic language proficiency
  </li>
 </ul>
 <p>
  <strong>
   Technical Skills
  </strong>
 </p>
 <ul>
  <li>
   Statistical modeling &amp; hypothesis testing
  </li>
  <li>
   Feature engineering &amp; model validation
  </li>
  <li>
   Model performance monitoring
  </li>
  <li>
   Data wrangling &amp; ETL processes
  </li>
  <li>
   Version control &amp; documentation best practices
  </li>
 </ul>
 <p>
  <strong>
   Soft Skills
  </strong>
 </p>
 <ul>
  <li>
   Strong analytical and problem-solving skills
  </li>
  <li>
   Ability to communicate complex insights to non-technical stakeholders
  </li>
  <li>
   Attention to detail and high ownership mindset
  </li>
  <li>
   Ability to work in fast-paced fintech environment
  </li>
 </ul>
 <p>
 </p>
</div>


Data Scientist - Credit Risk

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